IFFCO Tokio Health Protector Plus Policy

What is the Plan all About?

Health Protector Plus provides health coverage to you and your family in case of any health related eventuality to pay for huge medical and hospital bills for the hospitalization done due to injury or illness. You may also opt for suitable compulsory deductible under this plan and the policy will act as an additional cover.

Key Benefits

Direct & Quick claim settlement without TPA
Choose between top up or Super Top up
Cashless hospitalization in 4000 network hospitals
Lifetime Renewability
Option to buy standard health policy after 4 years of continuous coverage
Higher Coverage at low premium

Policy Benefits

In-patient hospitalization expenses such as room rent, ICU rent, nursing expenses, Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialist fees, cost of medicines,etc. are covered as per the limits specified in the policy for a minimum hospital stay of 24 hours.
Expenses on Vitamins and Tonics only if forming part of treatment as certified by the attending Medical Practitioner.
Pre and Post Hospitalization expenses are covered 60 days before hospitalization and 90 days after hospitalization.
Organ Donor Expenses for organ transplant are covered.
Domiciliary hospitalization is covered under this policy for medical.
Ayurvedic Hospitalization expenses covered under this policy.

Value Added Benefits

Daily allowance benefit per day is payable under this policy in respect of an insured person for the duration of hospitalization. If the hospitalization period is less than 24 (twenty four hours), then this daily allowance will be reduced proportionately for the period of hospitalization.
Option to buy Standard Health Policy with continuity of benefits after 4 continuous policy years.
Ambulance charges are reimbursed as per the specified limit.
Lifelong Renewability available under this plan is available.
Optional Cover of Waiver of Deductible available.
Emergency assistance services are available.
Tax Benefits under section 80 D of IT Act, 1961.

Sub Limits

Room Rent covered as provided by the hospital.
Domiciliary hospitalization benefits arecapped upto 20% of the sum insured.
Daily Allowance is paid equivalent to 0.10% of sum insured.
Ambulance charges are paid upto a maximum limit of Rs 3,000 per claim.
Deductible applicable as opted by the insured under the plan.

Waiting Period Clause

Initial Waiting Period: Initial 30 days of the policy start date, waiting period for newly incurred diseases except those arising out of accidents.
Specific Waiting Period: Certain specific treatments/diseases are covered after 1 or 2 consecutive policy years.
Pre existing Disease Waiting Period: This plan has a waiting period of 4 years to cover pre existing diseases.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Child:91 Days, Adult: 18 Years	Adult: 65 Years
Sum Assured	2 Lacs	25 Lacs
Deductible	1 Lac	5 Lac
Cover Type	Individual/Family	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Waiver Of Deductible	-

Exclusions

Expenses attributable to self inflicted injury
Naturopathy Treatment
Cost of spectacles, contact lens or hearing aids
Plastic & Cosmetic Surgery
Congenital Diseases
All non medical expenses, including personal comfort and convenience item services
Maternity related expenses
Convalescence and Rehabilitation Benefits, etc.